Citi® ThankYou® Premier Credit Card

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

Baggage Delay Insurance. Should your bags be delayed, this credit card can cover the cost of purchasing essential items.

Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Flight Delay Insurance. If a flight is delayed due to the weather or another covered reason, you can be reimbursed for additional transportation cost, meals, and accommodations.

Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.

For Example:
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.

Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

Trip Cancellation Insurance. You can have your non-refundable fees refunded if your cancellation reason meets certain criteria determined by the credit card company.

Trip Interruption Insurance. You can claim up to 150% of your unused, prepaid trip costs if it was for a qualified reason.

Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.

Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.

Identity Theft Protection. This monitors the internet to see if your personal information is being bought, sold or traded online. This covers your credit card information, driver’s license, social security number, or other sensitive or personally identifiable information.

Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.

Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

Once approved for this credit card, you may get Welcome Points that you can use for other benefits. These include travel, high-end merchandise, discounts, or bill credits. Each card has different requirements for using the points.

No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.

Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.

Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.